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Third
Party
This is the minimum insurance cover you can have that
allows you to drive on the road legally. Third Party
Insurance will only cover damage that you do to someone
elses property or persons. Even if your car catches
fire or is stolen you will receive nothing from the
insurance company.
Third
Party Fire and Theft
This is slightly better cover than Third Party. You are covered for any damage
that you do to others or their property but if your car is stolen or catches
fire you will also receive payment. This type of cover is often used by young
people with little or no no claim discount to keep costs down. Generally it
is cheaper than fully comprehensive cover but it is always worth checking
as often premiums can be very similar.
Fully Comprehensive Insurance
This covers everything that the above policies cover but also covers you for
any damage that you do to your won vehicle. If you are covering a newish car
then this is the only cover you should really consider.
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